United India vs Royal Sundaram

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Overview

United India Insurance Company Limited is one of India's oldest government-owned insurers, established in 1938. It offers a range of health insurance plans covering basic to advanced medical needs, along with specialized options for critical illness, maternity, and senior citizens. In addition to health insurance, the company provides motor, personal accident, and home insurance products. With decades of experience and a wide product portfolio, it is a stable and practical choice for those comparing insurers based on coverage options and long-term reliability.
COMPANY DETAILS Edit

United India

Edit

Royal Sundaram

Number of health insurance plans
Sum insured

Sum Insured

Up to 95 Lakh

Sum Insured

Up to 1.5 Cr
Claim ratio

Claim Ratio

91.10%

Claim Ratio

96.17%
Network hospitals

Network Hospital

14000+

Network Hospital

10000+
Solvency Ratio

Solvency Ratio

-0.65

Solvency Ratio

2.20
Pan India Presence

Pan India Presence

1537

Pan India Presence

160
Claim Form

Claim Form

Available

Claim Form

Available
Annual premium (company level)

Annual premium (company level)

7,519.28 Crore

Annual premium (company level)

774.90 Crore
Years in operation

Years in operation

1938

Years in operation

2000
24×7 claim support

24×7 claim support

Yes

24×7 claim support

Yes
IRDAI registration number

IRDAI registration number

545

IRDAI registration number

102
Claims settled within 3 months

Claims settled within 3 months

96

Claims settled within 3 months

96
Recommended Videos
United India Health Insurance

United India Health Insurance

Is Royal Sundaram Health Insurance Worth It? Full Review & Key Highlights

Is Royal Sundaram Health Insurance Worth It? Full Review & Key Highlights

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United India Health Insurance

Individual and Family Health Insurance

A cost-effective insurance option is the United India Insurance Family Medicare Policy. Anyone between 18 and 65 can get this insurance for themselves...

Unique Features

  • High SI
  • Optional Covers
  • ICU Cover

United India Family Medicare (Pros)

United India Family Medicare
  • In-patient hospitalization
  • Day-care treatments
  • Pre & post-hospitalization
  • AYUSH treatment

United India Family Medicare (Cons)

United India Family Medicare
  • Vaccination unavailable
  • OPD cover
  • Domiciliary hospitalization
  • Global coverage

United India Family Medicare (Other Benefits)

United India Family Medicare
  • Organ donor
  • Maternity & newborn baby cover
  • Daily hospital cash
  • Sum Insured restoration

United India Family Medicare (Eligibility Criteria)

United India Family Medicare
  • Entry age: Min. 18 yrs/ Max. 65 yrs
  • SI: 3 to 25 Lakhs
  • Initial waiting period: 30 Days
  • Policy term: 1 year

Royal Sundaram Health Insurance

Individual and Family Health Insurance

Royal Sundaram Lifeline Supreme Health Plan is a one-of-a-kind health insurance plan that offers holistic coverage with a wide range of benefits such ...

Unique Features

  • Up to 1 Crore SI
  • 4X Mobility Devices Cover
  • Health and Wellness Cover

Royal Sundaram Lifeline Supreme (Pros)

Royal Sundaram Lifeline Supreme
  • Re-load of sum insured
  • Health check-up
  • App-based cabs

Royal Sundaram Lifeline Supreme (Cons)

Royal Sundaram Lifeline Supreme
  • Illegal activities
  • Alcoholism
  • Self-inflicted harm

Royal Sundaram Lifeline Supreme (Other Benefits)

Royal Sundaram Lifeline Supreme
  • Annual Health Check-up
  • Emergency Evacuation
  • Second Opinion

Royal Sundaram Lifeline Supreme (Eligibility Criteria)

Royal Sundaram Lifeline Supreme
  • Min Entry Age: 18 Years
  • Max Entry Age: No limit
  • Initial Waiting Period: 30 Days
  • Sum Insured: 1 Crore

Accident Health Insurance

Royal Sundaram Personal Accident Policy safeguards insured individuals against loss of income, provides the best medical care, and ensures your childr...

Unique Features

  • Global Coverage Available
  • 5 Crore SI
  • Education Grant

Royal Sundaram Health Personal Accident Policy (Pros)

Royal Sundaram Health Personal Accident Policy
  • Higher sum insured available
  • Accidental death cover
  • Disability cover

Royal Sundaram Health Personal Accident Policy (Cons)

Royal Sundaram Health Personal Accident Policy
  • Illegal activities
  • Alcoholism
  • Adventure sports

Royal Sundaram Health Personal Accident Policy (Other Benefits)

Royal Sundaram Health Personal Accident Policy
  • Worldwide coverage
  • Education grant
  • Cumulative bonus

Royal Sundaram Health Personal Accident Policy (Eligibility Criteria)

Royal Sundaram Health Personal Accident Policy
  • Min entry age: 18 Years
  • Max entry age: 70 Years
  • Sum Insured: Up to 1.5 Crores

Individual and Family Health Insurance

Royal Sundaram Multiplier Health Insurance is a one-of-a-kind plan that covers up to 11 times the sum insured in case of emergency health complication...

Unique Features

  • 11X Multiplier Benefit
  • 4X Multiplier Benefit
  • Emergency Domestic Evacuation

Royal Sundaram Multiplier Health Plan (Pros)

Royal Sundaram Multiplier Health Plan
  • No Claim Bonus
  • Modern Treatments
  • AYUSH Treatment

Royal Sundaram Multiplier Health Plan (Cons)

Royal Sundaram Multiplier Health Plan
  • Illegal activities
  • alcoholism
  • obesity and weight management

Royal Sundaram Multiplier Health Plan (Other Benefits)

Royal Sundaram Multiplier Health Plan
  • Flexi Reload Benefit
  • Health and Wellness Benefit
  • Ambulance Cover

Royal Sundaram Multiplier Health Plan (Eligibility Criteria)

Royal Sundaram Multiplier Health Plan
  • Min Entry Age: 18 years
  • Max Entry Age: 65 years
  • Initial Waiting Period: 30 days
  • Sum Insured: Up to 25 L

Individual

The Surrogacy (Regulation) Act, 2021, by the Government of India, mandates that any couple seeking a surrogate mother must purchase a three-year healt...

Unique Features

  • Cover for Surrogacy
  • Oocyte Donor Cover
  • Daycare Procedures

Royal Sundaram Surrosafe Plan (Pros)

Royal Sundaram Surrosafe Plan
  • Covers surrogate mothers
  • Covers oocyte donors
  • Ambulance cover

Royal Sundaram Surrosafe Plan (Cons)

Royal Sundaram Surrosafe Plan
  • Illegal activites
  • adventure sports
  • self-harm

Royal Sundaram Surrosafe Plan (Other Benefits)

Royal Sundaram Surrosafe Plan
  • Inpatient hospitalization
  • Room rent cover
  • Daycare Procedures

Royal Sundaram Surrosafe Plan (Eligibility Criteria)

Royal Sundaram Surrosafe Plan
  • Min entry age: 18 Years; Max entry age: 35 Years
  • Sum Insured: Up to 5 L

Individual and Family Health Insurance

The Royal Sundaram Family Plus plan is designed for individuals and families looking for comprehensive health coverage, especially those planning a fa...

Unique Features

  • Emergency domestic evacuation
  • Maternity cover benefits
  • Health & wellness benefits

Royal Sundaram Family Plus Plan (Pros)

Royal Sundaram Family Plus Plan
  • Ambulance Cover
  • Reload of Sum Insured
  • Second Opinion for 11 specified Critical Illness

Royal Sundaram Family Plus Plan (Cons)

Royal Sundaram Family Plus Plan
  • Investigation & Evaluation
  • Obesity/ Weight Control
  • Alcoholism

Royal Sundaram Family Plus Plan (Other Benefits)

Royal Sundaram Family Plus Plan
  • Maternity cover
  • Health and wellness
  • Nutritional allowance

Royal Sundaram Family Plus Plan (Eligibility Criteria)

Royal Sundaram Family Plus Plan
  • Min entry age: 18 years
  • Max entry age: No upper limit
  • Sum Insured: Up to 50 L
  • Initial waiting period: 30 days

Top Up and Super Top Up

Royal Sundaram Advanced is a top-up plan that provides health coverage beyond your base health policy. It helps you keep your savings intact during ti...

Unique Features

  • Home care treatment
  • Life protect benefits
  • 2nd opinion for 22 critical illnesses

Royal Sundaram Advanced Top-Up Plan (Pros)

Royal Sundaram Advanced Top-Up Plan
  • Life protect benefit
  • PEDs waiting period reduction
  • Modern treatment
  • No cost SI restore
  • Home care treatment

Royal Sundaram Advanced Top-Up Plan (Cons)

Royal Sundaram Advanced Top-Up Plan
  • Obesity control
  • No change-of-gender
  • Cosmetic/plastic surgery
  • Hazardous/adventure sports
  • Breach of law

Royal Sundaram Advanced Top-Up Plan (Other Benefits)

Royal Sundaram Advanced Top-Up Plan
  • AYUSH cover
  • Critical illness 2nd opinion
  • Daycare treatment
  • Organ donor expenses
  • In-patient hospitalization

Royal Sundaram Advanced Top-Up Plan (Eligibility Criteria)

Royal Sundaram Advanced Top-Up Plan
  • Child Entry Age - 91 days - 25 years
  • Adult Entry Age- 18 - 65 years
  • SI - INR 10 - 95 Lakhs
  • Waiting Period - 30 days

Individual and Family Health Insurance

The Royal Sundaram Lifeline Elite Plan offers comprehensive health coverage, particularly beneficial for individuals who travel internationally. This ...

Unique Features

  • 11 specified critical illnesses cover
  • Worldwide emergency hospitalization
  • Maternity & newborn covers

Royal Sundaram Lifeline Elite Plan (Pros)

Royal Sundaram Lifeline Elite Plan
  • Cancer of specified severity
  • Heart attack
  • Kidney failure

Royal Sundaram Lifeline Elite Plan (Cons)

Royal Sundaram Lifeline Elite Plan
  • Illegal activites
  • Alcoholism
  • Obesity

Royal Sundaram Lifeline Elite Plan (Other Benefits)

Royal Sundaram Lifeline Elite Plan
  • Emergency domestic evacuation
  • Worldwide cover
  • Tax benefits

Royal Sundaram Lifeline Elite Plan (Eligibility Criteria)

Royal Sundaram Lifeline Elite Plan
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1.5 Cr

Individual and Family Health Insurance

Lifeline Health Insurance by Royal Sundaram is a comprehensive health insurance plan that looks after your day-to-day healthcare needs. Along with in-...

Unique Features

  • Plan benefits
  • Types of plans offered
  • Plan features & buying process

Lifeline Health Insurance Plan (Pros)

Lifeline Health Insurance Plan
  • Domiciliary Hospitalization
  • Worldwide Emergency Hospitalization
  • International Treatment Abroad

Lifeline Health Insurance Plan (Cons)

Lifeline Health Insurance Plan
  • Illegal Activities
  • Adventure Sports
  • Alcoholism

Lifeline Health Insurance Plan (Other Benefits)

Lifeline Health Insurance Plan
  • Preventive healthcare and wellness
  • Reload of Sum Insured
  • OPD Cover

Lifeline Health Insurance Plan (Eligibility Criteria)

Lifeline Health Insurance Plan
  • Min Entry Age 18 Years
  • Max Entry Age No Upper Age Limit
  • Initial Waiting Period 30 Days
  • Sum Insured Up to 1.5 Crore
Raj Kumar

Reviewed By: Raj Kumar

With over 12 years of rich experience in the BFSI domain, with a specialisation in Life and Health Insurance, I have played a pivotal role in simplifying the insurance-buying process and delivering unparalleled service.